johnny1488 1 #1 June 5, 2003 "Now all I need is a major credit and I can get your application approved." How the hell can I get a credit card when they deny me for no credit history? No banks around me offer secured credit cards anymore. I dont know why, they just dont. Here is my plan. Enroll in community college. Apply for a student card. Cancel the classes and get my money back. Commence with building credit. I am leary of online cards who claim to be so easy to get. Any Ideas? Johnny --"This ain't no book club, we're all gonna die!" Mike Rome Quote Share this post Link to post Share on other sites
blondeflyer7 0 #2 June 5, 2003 a co-signer is how I got started...it is very hard to get started on credit....I know I built my own....but you have to work hard at it keep trying....don't give up Quote Share this post Link to post Share on other sites
Raefordite 0 #3 June 5, 2003 Start with those that never fail to over extend your credit. Get a Sears card, get a JC Penney card and go buy something with it. Pay it off at the store the next week before you even get a statement. Same,same with a gas station BP, Shell, etc card. Then in a month or so, try again! Quote Share this post Link to post Share on other sites
freakshow 0 #4 June 5, 2003 get a bon card they'll give those to anybody B.L. (the brain) Quote Share this post Link to post Share on other sites
johnny1488 1 #5 June 5, 2003 Sears denied me today Insufficient credit. Johnny --"This ain't no book club, we're all gonna die!" Mike Rome Quote Share this post Link to post Share on other sites
johnny1488 1 #6 June 5, 2003 A co signer is different than getting my name on someones card right? Johnny --"This ain't no book club, we're all gonna die!" Mike Rome Quote Share this post Link to post Share on other sites
blondeflyer7 0 #7 June 5, 2003 QuoteA co signer is different than getting my name on someones card right? yes its just a back up person if you do not pay but it puts the trust in you after the payments are made by you. Quote Share this post Link to post Share on other sites
Gawain 0 #8 June 5, 2003 Call Household Bank or Capital One, they should be willing to extend you some unsecured credit on a Master Card or Visa with little fanfare.So I try and I scream and I beg and I sigh Just to prove I'm alive, and it's alright 'Cause tonight there's a way I'll make light of my treacherous life Make light! Quote Share this post Link to post Share on other sites
kevin922 0 #9 June 5, 2003 Quote"Now all I need is a major credit and I can get your application approved." How the hell can I get a credit card when they deny me for no credit history? No banks around me offer secured credit cards anymore. I dont know why, they just dont. Here is my plan. Enroll in community college. Apply for a student card. Cancel the classes and get my money back. Commence with building credit. I am leary of online cards who claim to be so easy to get. Any Ideas? Get a small loan at the bank (but don't buy anything - well I guess you could buy something if you wanted) and pay it back.. making the payments builds your credit - yeah it costs you some money in interest, but builds the credit. Kevin Quote Share this post Link to post Share on other sites
johnny1488 1 #10 June 5, 2003 Capital one turned me down too. Thats what my girlfriend has. I am gonna have her call them and see if they would let her cosign. They started her at a $300 limit when she was a student and now she is up to $3k. Johnny --"This ain't no book club, we're all gonna die!" Mike Rome Quote Share this post Link to post Share on other sites
johnny1488 1 #11 June 5, 2003 Sounds like legal extortion. God I love capitalism. Johnny --"This ain't no book club, we're all gonna die!" Mike Rome Quote Share this post Link to post Share on other sites
indyz 1 #12 June 5, 2003 QuoteSounds like legal extortion. God I love capitalism. Interest on a loan is extortion? Quote Share this post Link to post Share on other sites
skybytch 273 #13 June 5, 2003 Providian offers secured cards. They were the first ones to take a chance on me ten years after I quit paying on the ones I ran up learning to skydive. If you have a checking account, a savings account (even if it only has a couple hundred bucks in it) and a record of paying your utility bills on time you should be able to get a card from Providian without a problem - maybe even without a security deposit. Quote Share this post Link to post Share on other sites
darkvapor 0 #14 June 5, 2003 Applying for many lines of credit at the same time hurts your credit report. I would try minimize the 'hits' (requests) on your credit report. Quote Share this post Link to post Share on other sites
Michele 1 #15 June 5, 2003 What kind of loan are you looking for that requires a major credit card to verify with? Something is not right here... And yes, each time someone runs a credit check, 3 points are deducted, thus lowering your score and making you less desireable...it's not necessarily a good thing to do. However, those "inquiry" points will come back after about 3 months, IIRC. And just fyi, employers and rentals will also check credit at times, too. You should be aware that you can receive a copy of your credit report if denied credit if you ask, so you can see why. And you are allowed one free credit report annually, and should check it out then, as well. I tend to get mine when I get my taxes together, so that it's all done at one time. Ciels- Michele ~Do Angels keep the dreams we seek While our hearts lie bleeding?~ Quote Share this post Link to post Share on other sites
wmw999 2,559 #16 June 5, 2003 QuoteGet a small loan at the bank (but don't buy anything - well I guess you could buy something if you wanted) and pay it back.. making the payments builds your credit This worked for me many moons ago. I borrowed $400, and it was enough to do the trick. It's cheaper than signing up for college and then quitting, because you don't get all your money back. The first credit you get will be expensive. Just minimize the cost (i.e. pay off the credit card each month, or pay more than the minimum if you get a bank loan). If you get a bank loan, you can explain to the loan officer exactly why you want to do that. It only works if you bank there and have a good rating with them, though. Wendy w.There is nothing more dangerous than breaking a basic safety rule and getting away with it. It removes fear of the consequences and builds false confidence. (tbrown) Quote Share this post Link to post Share on other sites
Islandcool 0 #17 June 5, 2003 QuoteSears denied me today Insufficient credit. Try like circut city or best buy. Sears is actually one of the harder ones to get. An easy one is Mervyn's also. Quote Share this post Link to post Share on other sites
fasterfaller 0 #18 June 5, 2003 You only lose 3 points ? I just bought a new car and paid cash for it and the fucking dealer ran my credit anyway and I went from a 825 to a 810 because of it . Is it different in California on point deductions or is someone hosing my score ? Quote Share this post Link to post Share on other sites
flypunk 0 #19 June 5, 2003 ok so the bastards kept sending me offers for credit cards with 0 % balance transfers and low rates for a year, but if I applied they told me that I had too much outstanding balance.... duhh that's the one I wnated to transfer .. but now that I have money in savings (more than my debt) ohhh yeah now they all want to give me credit. When you need it you cant get it, but when you dont they will all offer it. drunk and posting, ignore previous ... Quote Share this post Link to post Share on other sites
Zenister 0 #20 June 5, 2003 get a gas card from whatever gas station is near by..use it for a year and pay it off every month.. even if you've got no credit history i've never known anyone whos been turned down..____________________________________ Those who fail to learn from the past are simply Doomed. Quote Share this post Link to post Share on other sites
Michele 1 #21 June 5, 2003 Quote You only lose 3 points ? For inquiries, yes. Quote I just bought a new car and paid cash for it and the fucking dealer ran my credit anyway If you are paying cash, there is no reason to check credit. You likely can dispute it, but know what? Unless you need the 15 points in the next 90 days, there's no real reason for it. However...as it seems there's a high number of points, I would suggest getting a copy of the report and verifying who has been looking at it, and why you dropped 15 points. It may simply be because you are carrying a credit debt which is disproportunate to the charts. And if you needed a loan, with a credit score over 800, you can easily write your own ticket. I shouldn't be very concerned unless there's an anomoly of some kind. QuoteIs it different in California on point deductions or is someone hosing my score ? Nope, it is a federal clearing house (TRW, Equifax, and brain fade on the third). These credit agencies are national, and not state run. For instance, if you came to CA, your credit score would follow. Therefor, it is not bound by state laws, regs and so on. Hope it helps! Ciels- Michele ~Do Angels keep the dreams we seek While our hearts lie bleeding?~ Quote Share this post Link to post Share on other sites
WFFC 1 #22 June 5, 2003 QuoteTRW, Equifax, and brain fade on the third Actually 4 - Experian & Innovis. Innovis is not a big player yet. Quote Share this post Link to post Share on other sites
Push 0 #23 June 5, 2003 QuoteHow the hell do I get credit? Find booty, apply lips Seriously, I got mine started with a student credit card. It's a Catch-22, good luck. -- Toggle Whippin' Yahoo Skydiving is easy. All you have to do is relax while plummetting at 120 mph from 10,000' with nothing but some nylon and webbing to save you. Quote Share this post Link to post Share on other sites
jtval 0 #24 June 5, 2003 johnny! get a gas card. or any card.....HINT if you have too many inqueries into your credit history they may deny you too! the secret is, once you get a credit card go buy some small items and pay them off as the payments come in I.E. go buy some t shirts or jeans and FINANCE them! they want to see you are capable of paying over a peroid of time! if you pay em off right away you wont show any credit. if all else fails go get a signature loan for 500 or 1,000 and pay it off! DONT MISS ANY PAYMENTS... and dont tell the bank that you just want a loan for the sake of having a loan! tell them you are looking into fixing your car or buying a kidney! make something up! but you will need collateral! so offer your other kidney as payment! if I were you I would take the first credit app that come in the mail and apply for it. your APR will be on outstanding 24.9% but once you have a card you can start choosing your company! I have a card now that is only 5.5% apr! it took a while to get it that low but if you stay in good credit you will be fine!My photos My Videos Quote Share this post Link to post Share on other sites
skydiverbrian 0 #25 June 5, 2003 QuoteThey started her at a $300 limit when she was a student and now she is up to $3k. Exactly why you DO NOT NEED CREDIT CARDS! The good thing about not being able to get credit is that it forces you to learn to live with cash. After a few months, they'll be beating your doors down offering you credit, but you'll already be leaps and bounds ahead of them by knowing YOU DON'T NEED THEM! In a world full of people, only some want to fly... isn't that crazy! --Seal Quote Share this post Link to post Share on other sites
